Looking for Travel Insurance

Forums › Travel (planes, train, cruise) › Looking for Travel Insurance

1 | 2

insane

3324 posts

Uber Geek
+1 received by user: 1006

ID Verified

Trusted

2degrees

Subscriber

#2386683 7-Jan-2020 14:04

I just pay for our holidays using our ASB platinum visa and use the free insurance you get with that.

Claimed 5K a few years back when we got stuck in Bali for an extra week due to the volcanic eruptions

neb

11294 posts

Uber Geek
+1 received by user: 10018

Trusted

Lifetime subscriber

#2387126 7-Jan-2020 23:57

Same here, I have a platinum card specifically for the insurance cover it gives you, the annual fee is less than what the insurance for a single trip would cost, and it's automatic so you don't need to fiddle with insurance on every single trip. That is, you pay for the trip with the card and then get insurance for that trip, no further paperwork or payment required.

PetAT

253 posts

Ultimate Geek
+1 received by user: 9

#2387128 8-Jan-2020 00:19

Well, I wrote to a few still waiting to hear from the rest, mainly they want you do have done the travel insurance before you left NZ and becomes hard to do if already left NZ. hmm..

blackjack17

1713 posts

Uber Geek
+1 received by user: 865

#2387135 8-Jan-2020 02:48

insane: I just pay for our holidays using our ASB platinum visa and use the free insurance you get with that.

Claimed 5K a few years back when we got stuck in Bali for an extra week due to the volcanic eruptions

Same.

Also if you go to pay for flights and there is a credit surcharge you can use your ASB bank account and still be covered.

The important thing with the insurance is you have to activate it by calling through.

Electric kiwi signup credit Sharesies credit

sbiddle

30853 posts

Uber Geek
+1 received by user: 9996

Retired Mod

Trusted

Biddle Corp

Lifetime subscriber

#2387156 8-Jan-2020 08:02

PetAT:

Well, I wrote to a few still waiting to hear from the rest, mainly they want you do have done the travel insurance before you left NZ and becomes hard to do if already left NZ. hmm..

I'd be surprised if you'll find any mass market provider willing to provide you insurance once you are outside NZ. It's just one of those basic fundamental things and something that they have no control over because their re insurers also impose such restrictions for very obvious reasons.

You really need to be approaching a broker because your needs are outside the norm of 99.9% of travel insurance providers and are a specialist case so you're going to need specialist help.

sbiddle

30853 posts

Uber Geek
+1 received by user: 9996

Retired Mod

Trusted

Biddle Corp

Lifetime subscriber

#2387157 8-Jan-2020 08:08

blackjack17:
insane: I just pay for our holidays using our ASB platinum visa and use the free insurance you get with that.

Claimed 5K a few years back when we got stuck in Bali for an extra week due to the volcanic eruptions

Same.

Also if you go to pay for flights and there is a credit surcharge you can use your ASB bank account and still be covered.

The important thing with the insurance is you have to activate it by calling through.

You don't need to call to activate card insurance, it is automatic. The real issue is if you're in a hospital somewhere requiring urgent assistance you're potentially going to be a little too busy to be dealing with a call centre that wants to know when you purchased your flights or accommodation to verify that you're covered before you can get any assistance. That is fine if you're claiming for a lost laptop after a holiday, but a slight problem iif you're lying there in a hospital bed in a country such as the US where they basically don't care about you until you can provide your insurance details.

I have no issue with the cover provided by Visa / Mastercard Gold and Platinum policies. I would just never rely on it, but then again I'm probably slightly different when I typically have upwards of 80 flights per year and often a dozen or so trips out side NZ so domestic cover is also important for me, hence having a worldwide annual policy.

New World

Shop on-line at New World now for your groceries (affiliate link).

PetAT

253 posts

Ultimate Geek
+1 received by user: 9

#2387184 8-Jan-2020 09:16

sbiddle:

blackjack17:
insane: I just pay for our holidays using our ASB platinum visa and use the free insurance you get with that.

Claimed 5K a few years back when we got stuck in Bali for an extra week due to the volcanic eruptions

Same.

Also if you go to pay for flights and there is a credit surcharge you can use your ASB bank account and still be covered.

The important thing with the insurance is you have to activate it by calling through.

You don't need to call to activate card insurance, it is automatic. The real issue is if you're in a hospital somewhere requiring urgent assistance you're potentially going to be a little too busy to be dealing with a call centre that wants to know when you purchased your flights or accommodation to verify that you're covered before you can get any assistance. That is fine if you're claiming for a lost laptop after a holiday, but a slight problem iif you're lying there in a hospital bed in a country such as the US where they basically don't care about you until you can provide your insurance details.

I have no issue with the cover provided by Visa / Mastercard Gold and Platinum policies. I would just never rely on it, but then again I'm probably slightly different when I typically have upwards of 80 flights per year and often a dozen or so trips out side NZ so domestic cover is also important for me, hence having a worldwide annual policy.

Where should one be looking for brokers in this case?

neb

11294 posts

Uber Geek
+1 received by user: 10018

Trusted

Lifetime subscriber

#2387324 8-Jan-2020 12:56

sbiddle:
I have no issue with the cover provided by Visa / Mastercard Gold and Platinum policies. I would just never rely on it,

Just as a data point, a friend of mine had a serious medical emergency in the UK some years ago and was hospitalised for awhile with a four to five-digit medical bill, her credit-card insurance cover dealt with it all with a minimum of fuss. It's based on that that I went with credit-card insurance as well. Admittedly it used to be a lot more generous, you were covered as long as you paid for anything involved with the travel like a taxi to the airport while now you need to pay something like minimum 50% of the travel cost with the card, but it's still pretty good.

blackjack17

1713 posts

Uber Geek
+1 received by user: 865

#2387356 8-Jan-2020 13:37

sbiddle:
blackjack17:
insane: I just pay for our holidays using our ASB platinum visa and use the free insurance you get with that.

Claimed 5K a few years back when we got stuck in Bali for an extra week due to the volcanic eruptions

Same.

Also if you go to pay for flights and there is a credit surcharge you can use your ASB bank account and still be covered.

The important thing with the insurance is you have to activate it by calling through.

You don't need to call to activate card insurance, it is automatic. The real issue is if you're in a hospital somewhere requiring urgent assistance you're potentially going to be a little too busy to be dealing with a call centre that wants to know when you purchased your flights or accommodation to verify that you're covered before you can get any assistance. That is fine if you're claiming for a lost laptop after a holiday, but a slight problem iif you're lying there in a hospital bed in a country such as the US where they basically don't care about you until you can provide your insurance details.

I have no issue with the cover provided by Visa / Mastercard Gold and Platinum policies. I would just never rely on it, but then again I'm probably slightly different when I typically have upwards of 80 flights per year and often a dozen or so trips out side NZ so domestic cover is also important for me, hence having a worldwide annual policy.

Yes you do need to call to activate

https://www.asb.co.nz/banking-with-asb/credit-card-travel-insurance.html

I am in the USA now and feel comfortable with the insurance. We have print offs of everything

Edit

Looks like you don't need to call. I swear that in the past you needed too

Electric kiwi signup credit Sharesies credit

sbiddle

30853 posts

Uber Geek
+1 received by user: 9996

Retired Mod

Trusted

Biddle Corp

Lifetime subscriber

#2387360 8-Jan-2020 13:43

It doesn't say anywhere on that page that you need to call to activate. You can call to verify that prepaid travel costs you have paid for have entitled you to be covered though.

PetAT

253 posts

Ultimate Geek
+1 received by user: 9

#2387678 8-Jan-2020 22:23

I decided to go with https://www.worldnomads.co.nz/ worked out well, about 50% less than scti.

Dell

Shop now for Dell laptops and other devices (affiliate link).

timmmay

20858 posts

Uber Geek
+1 received by user: 5350

Trusted

Lifetime subscriber

#2456162 6-Apr-2020 19:29

We claimed with SCTI not long ago. We put in three claims, two for illness and one for delayed travel due to a weather event. The first two claims were simple and sorted in about six weeks (their wait time to get anyone to look at it was at least a month at the time). The delayed travel claim took about 10 weeks, but was much more complex with an airline not doing what they should, cancellations, new bookings, extra accommodation, etc. SCTI paid the claim in full, even reimbursed us for our prepaid child care that we missed out on because of the travel delay. So all in all, happy with SCTI.

1 | 2